AEPS Registration Online: Complete Guide for 2026

Free AEPS Registration – Start Aadhaar-Based Banking from Your Shop Today!

AEPS registration online is the first step for retailers and businesses who want to offer Aadhaar Enabled Payment System (AEPS) services in India. AEPS allows customers to access basic banking services such as cash withdrawal, cash deposit, balance enquiry, and fund transfer using only their Aadhaar number and biometric authentication. This makes AEPS one of the most trusted and widely used digital banking solutions in India.

AEPS Aadhaar Enabled Payment System Registration enables individuals, specifically retail shop owners and business correspondents, to offer basic banking services such as cash withdrawal, balance enquiry, and mini-statements to customers using their Aadhaar number and biometric authentication (fingerprint scan). It is a secure, interoperable, bank-led model developed by the NPCI (National Payments Corporation of India) that allows “on-us” (same bank) and “off-us” (inter-bank) transactions. 

AEPS registration allows agents to offer, and customers to perform, secure banking transactions (cash withdrawal, balance inquiry, mini-statement) using Aadhaar authentication via a biometric device. Registration is done online through authorized Aeps india requiring Aadhaar, PAN, and a bank account. 

With online AEPS registration, businesses can complete the onboarding process quickly without paperwork or complex steps. After successful registration, retailers can provide Aadhaar-based banking services, increase customer visits, and earn additional income while supporting financial inclusion across India.

The growing demand for digital banking and financial inclusion, more businesses are choosing online AEPS registration to offer secure, fast, and card-free banking services to customers. The registration process is simple, paperless, and designed to help Aeps india start AEPS services quickly while staying compliant with RBI and NPCI guidelines.

If you are a retailer, CSP, or business owner, understanding the AEPS online registration process in India helps you choose the Aeps india is an AEPS service provider and start offering safe, fast, and reliable AEPS services to your customers.

In this guide, you will learn everything about AEPS registration online in India, including how it works, who can apply, and why choosing a trusted AEPS service provider like Aeps india is important for smooth onboarding and reliable transactions. This information will help you start AEPS services easily and grow your digital payment business.

What Is AEPS Registration Online

AEPS registration allows business owners to offer banking services like cash withdrawals and balance inquiries using a biometric device. To register online, choose a service Aeps india, complete the online form, submit KYC documents (PAN, Aadhaar), and verify with OTP to activate the agent ID. 

AEPS Registration Work

AEPS registration enables agents to offer banking services like cash withdrawal, balance inquiry, and deposits using Aadhaar authentication and a Aeps biometric device. Registration requires KYC (Aadhaar, PAN, bank details), a smartphone/PC, and a certified BC agent agreement, often providing commission-based earnings for transactions. 

Key Aspects of AEPS Registration & Work:

Registration Process:

• Choose a Provider: Select an NPCI-certified, Aeps india.
• Submit Documents: Complete the online/offline registration form and submit KYC documents, including Aadhaar card, PAN card, and bank account details.
• Verification & Approval: Aeps india verifies the documents, and once approved, the agent ID is generated.
• Hardware Setup: A compatible Aeps biometric device (fingerprint scanner) is required for authentication.

Essential Requirements:

• Aadhaar Linkage: The agent’s bank account must be linked with their Aadhaar number.
• Device: A smartphone or computer with a stable internet connection and a Aeps Fingerprint Device.

AEPS Services You Can Access After Registration

After registering for AEPS, you can access secure, biometric-based banking services including cash withdrawals, cash deposits, balance enquiries, and mini-statements. It also enables Aadhaar-to-Aadhaar fund transfers, BHIM Aadhaar Pay for merchants, and eKYC, providing essential, doorstep banking, especially in rural areas. 

Key AEPS Services Accessible After Registration

• Cash Withdrawal: Withdraw money from any Aadhaar-linked bank account at a Business Correspondent (BC) or micro ATM.
• Cash Deposit: Deposit cash securely into an Aadhaar-linked account.
• Balance Inquiry: Instantly check the real-time balance of your bank account.
• Mini Statement: Retrieve a summary of recent transactions.
• Aadhaar to Aadhaar Fund Transfer: Transfer funds between two Aadhaar-linked bank accounts without needing the beneficiary’s account number or IFSC code.
• BHIM Aadhaar Pay: Merchants can accept cashless payments directly from customers’ bank accounts.
• eKYC: Used for electronic Know Your Customer verification.
• Direct Benefit Transfer (DBT) Access: Facilitates receipt of government subsidies, pensions, and NREGA wages. 
• Authentications: Secure, fingerprint-based identity verification for transactions. 

Requirements for Using AEPS

• A bank account linked with an Aadhaar number.
• Biometric authentication (fingerprint/iris scan). 

Registered users can perform these transactions at any BC/agent outlet. Popular Aeps platforms for accessing these services include Aeps india. 

Top Use Cases of After Registration

Top use cases after registration focus on user onboarding, data verification, and security, including automatic redirection to dashboards, sending confirmation emails, and triggering welcome sequences. Key actions also include initializing user profiles, setting up initial preferences, and securing accounts through password hashing. 

Top Use Cases for User Registration (Digital/Software)

• Welcome & Onboarding Email: Sending an automated email to verify the email address and introduce the user to the platform.
• Redirection to Dashboard/Home Page: Immediately directing users to a personalized dashboard to start using the service.
• Profile Initialization: Creating user records in the database, including assigning unique user Aeps ID and setting default preferences.
• Empty State Guidance: Displaying a “Getting Started” guide or Aeps onboarding checklist for new users to navigate the application.
• Security & Session Management: Establishing a secure, authenticated session, allowing instant access to protected areas without needing to log in immediately. 

Top Use Cases After Business/Entity Registration

• Opening a Bank Account: Opening a current account using the Certificate of Incorporation.
• Tax & Regulatory Registration: Applying for GST, PAN, and TAN, as well as registering for Provident Fund (PF) or ESI for employees.
• Disclosure of Interests: Directors disclosing their interests in other entities during the first board meeting.
• Issuing Share Certificates: Issuing certificates to shareholders within specified timelines. 

These actions ensure that after the initial registration, the user is properly verified, secure, and ready to engage with the system. 

Who Can Apply for AEPS Registration Online?

Any Indian resident with a bank account linked to their Aadhaar number can use the Aadhaar Enabled Payment System (AePS) without separate registration. To act as an AePS agent/merchant and offer services, individuals must register online with Aeps india, requiring a smartphone/computer, biometric device, PAN card, and Aadhaar. 

Who Can Apply for AePS Agent Registration Online?

• Retailers & Shop Owners: Individuals operating shops (kirana stores, mobile shops, etc.) can register to provide banking services like cash withdrawal, deposits, and balance inquiries to customers.
• Business Correspondents (BCs): Authorized individuals working with banks to facilitate transactions.
• Individuals with Valid KYC: Applicants must possess a PAN card, Aadhaar card, and a bank account for settling commissions. 

Key Requirements for Online Agent Registration:

• Hardware: A smartphone (Android) or desktop/laptop and a registered Aeps biometric device (fingerprint scanner).
• Documents: Aadhaar Card, PAN Card, and Bank account details.
• Process: Registering on an AePS portal, filling out the Aeps application, and completing KYC. 

For general customers, no registration is needed, only an Aadhaar-linked bank account. 

Eligibility Criteria for AEPS Registration Online

To register for AEPS agent account online, you must be an Indian citizen, at least 18 years old, with a valid Aadhaar card linked to a bank account and a functional mobile number. Required documentation includes a PAN card, bank details (cancelled cheque/passbook), and a compatible Aeps biometric scanner for fingerprint authentication. 

Key Eligibility Criteria for AEPS Agent Registration:

• Age and Nationality: Must be an Indian citizen aged 18 years or older.

Documentation (KYC):

• Valid Aadhaar Card (mandatory).
• Valid PAN Card (mandatory).
• Bank account proof (cancelled cheque, passbook, or bank statement).
• Address proof (Voter ID, Driving License, or Passport).
• Banking: An active bank account, preferably in the name of the applicant, that is linked (seeded) with their Aadhaar number.

Technical Requirements:

• A functioning smartphone, laptop, or desktop computer.
• A reliable internet connection.
• A certified Aeps biometric device (fingerprint scanner/iris scanner) for customer authentication.
• Location: A physical shop or kiosk to conduct business is typically required.
• Skills: Basic knowledge of operating computer/smartphone applications. 

Documents Required for AEPS Registration Online

To register for AEPS online as an agent, you need to submit an Aadhaar card (linked to a bank account), PAN card, active bank account details (passbook/cancelled cheque), a recent passport-sized photograph, a functional mobile number, and an email address. A certified Aeps Fingerprint Scanner Devices (fingerprint/iris scanner) is also mandatory for activation. 

Mandatory Documents for AEPS Agent Registration 

• Aadhaar Card: Must be linked to a bank account.
• PAN Card: For identity verification.
• Bank Account Details: A cancelled cheque or the first page of a bank passbook.
• Active Mobile Number: Preferably linked with the Aadhaar card.
• Passport-sized Photograph: Recent photo with a neutral background.
• Address/Office Proof (Optional but Recommended): Electricity bill or rent agreement. 

Required Hardware

• Biometric Device: A UIDAI-certified Aeps fingerprint or iris scanner (e.g. Mantra).
• Smartphone/Computer: To access the agent portal. 

Key Requirements

• Applicants must be 18 years or older.
• The bank account must be fully functional for transactions.
• Basic knowledge of digital banking is required. 

How AEPS India Helps in Easy Aeps Registration

AEPS India (aepsindia.com) facilitates easy AEPS registration by offering a streamlined, online, and paperless onboarding process for agents. They provide user friendly Aeps apps and Aeps API solutions that simplify Aeps KYC verification and offer quick,, secure access to banking services, including cash withdrawals and balance inquiries. 

Key Ways AEPS Facilitates Easy Registration:

• Fast Online Sign-Up: Aeps India provides an easy,, digital,, and rapid registration process via their web platform and Aeps mobile app, eliminating the need for extensive,, manual, and paper-heavy procedures.
• Simplified KYC Process: They guide users through the submission of essential Aeps KYC documents such as Aadhaar, PAN card, and bank details for quick verification.
• Instant Activation: Aeps India enable instant activation of services, allowing agents to immediately start providing banking services like cash withdrawals and mini-statements to customers.
• User-Friendly Interface: The Aeps platform designed for ease of use, ensuring that agents can navigate the system easily, even with minimal technical knowledge.
• Minimal Documentation: The Aeps registration generally requires only basic documentation: Aadhaar card, PAN card, bank account details, and a photo, making it a simple process.
• Comprehensive Support: Aeps India provides support to assist with the setup Aeps biometric devices, which are essential for secure, Aadhaar-based authentication (fingerprint or iris scan). 
• Direct Bank Onboarding: The process connects agents directly with authorized banks and the NPCI (National Payments Corporation of India), ensuring, secure, and regulated enrollment. 

AEPS Registration for Rural and Urban Areas

Online registration for the AePS allows individuals and business owners to connect their bank accounts to their Aadhaar for secure, cardless, and PIN-less transactions. It is a critical, RBI-regulated, and NPCI-developed Aeps designed to boost financial inclusion in rural and semi-urban areas by using biometric authentication (fingerprint or iris scan) at local, authorized, micro ATM-enabled outlets. 

Key Benefits of AePS in Rural & Urban Areas

• Financial Inclusion: It brings basic banking services to the doorsteps of people in remote areas, eliminating the need to travel to distant bank branches or ATMs.
• Convenience & Accessibility: Users can perform transactions like cash withdrawals, deposits, and balance checks without needing a physical debit card, PIN, or smartphone.
• High Security: Biometric authentication ensures that only the account holder can access funds, reducing risks associated with PIN theft.
• Direct Benefit Transfer (DBT): It facilitates the direct, transparent, and immediate receipt of government welfare payments, pensions, and subsidies.
• Interoperability: Customers can use any bank’s services at any AePS-enabled agent point, regardless of their own bank.
• 24/7 Availability: Services are available round-the-clock. 

Key Benefits of AEPS for Retailers (Agent Registration)

• New Revenue Stream: Retailers earn commissions on every successful transaction (e.g., ₹5–₹15+ for cash withdrawals).
• Increased Footfall: Offering banking services attracts more customers to the shop, which can boost sales of other products.
• Low Investment: Requires minimal infrastructure (smartphone/computer + biometric device).
• Community Trust: Positions the retail shop as a reliable, essential hub. 

Why Online AEPS Registration Is Important for Businesses

Online AEPS registration is crucial for businesses to drive growth, increase footfall, and generate extra income through commissions on banking services like cash withdrawals and balance inquiries. It offers a secure, biometric-based transaction method that reduces cash handling risks, enhances customer trust, and promotes financial inclusion, especially in rural areas. 

Here is why AEPS registration is important for businesses:

1. New Revenue Stream Through Commissions 

Registered agents earn a commission on every successful transaction, such as cash withdrawals, balance inquiries, and money transfers. High-volume agents can earn a consistent monthly income, with potential earnings of ₹6,000–₹10,000+ per month, particularly with higher-value transactions. 

2. Increased Customer Footfall

By offering “doorstep banking” services, a shop becomes a one-stop-shop for financial needs. This attracts new customers who may not have easy access to banks, many of whom will also purchase regular goods from the store, thus increasing overall sales. 

3. Low Investment and High ROI 

Setting up an AEPS business requires minimal investment, only needing a smartphone or computer, an internet connection, and a UIDAI-certified Aeps biometric scanner. This low-cost, high-return model is ideal for small businesses and Kirana stores. 

4. Enhanced Customer Trust and Safety

Transactions are secured through Aeps biometric authentication (fingerprint/iris), which is nearly impossible to fake. This reduces the risk of fraud and provides peace of mind to both the agent and the customer. 

5. Increased Credibility (Government-Backed) 

AEPS developed by the NPCI (National Payments Corporation of India), providing a trustworthy, government-backed service. This credibility helps small businesses build a reputation as a reliable, secure Aeps india in their local community. 

6. Supporting Financial Inclusion (Rural Reach) 

AEPS helps bridge the gap for rural and underserved areas, acting as a “Debit Card of Rural India”. It allows for the disbursement of government benefits (Direct Benefit Transfer – DBT) like pensions and wages. 

7. Competitive Edge and Diversification 

Beyond basic banking, registered agents can offer additional services, such as: 

• Aadhaar Pay: Accepting payments directly from a customer’s bank account.
• Utility Bill Payments & Mobile Recharges: Increasing the service portfolio. 

8. Regulatory Compliance and Security 

As of January 1, 2026, the RBI mandates strict KYC for all AEPS agents to prevent fraud. Proper registration ensures the business is compliant with these regulations and avoids penalties. 

Key Requirements for Registration:

• Documents: Aadhaar card, PAN card, and a bank account linked to the Aadhaar.
• Device: A registered Aeps biometric scanner (fingerprint/iris).
• Process: Registering through an authorized Aeps india. 

Benefits Online AEPS Registration

Online AEPS registration enables shop owners to become banking correspondents, offering cash withdrawals, balance inquiries, and mini-statements to customers using biometric authentication. Key benefits include earning Aeps commission on transactions, operating a “mini-bank” with minimal investment (phone/computer + biometric device), and providing secure, cashless services, particularly in rural or unbanked areas. 

Key Benefits of Online AEPS Registration

• Financial Inclusion & Reach: Enables banking access in rural/remote areas, serving customers who lack nearby bank branches or ATMs.
• Revenue Generation: Agents earn attractive commissions on every transaction, including cash withdrawals, deposits, and, in some cases, balance checks.
• Low Investment/High ROI: Requires minimal setup typically just a smartphone, a biometric device, and an internet connection.
• Customer Convenience: Customers do not need a debit card or PIN; they only require their Aadhaar number and fingerprint for authentication.
• Secure Transactions: The Aeps system is highly secure, using biometric data to prevent fraud.
• Business Growth: By acting as a mini-bank, shop owners can increase customer footfall and enhance their business reputation.
• Instant Activation: Aeps platforms offer quick registration and activation, allowing agents to start providing services immediately.
• Interoperability: Customers can use services across different banks, as the system is not restricted to one bank.
• Face Authentication: Aeps india offer face authentication, providing a superior alternative for users with fingerprint issues. 

Features Online AEPS Registration

Online Aadhaar Enabled Payment System registration enables retailers to instantly start a banking business, offering services like cash withdrawal, balance inquiry, and mini-statements using biometric authentication. Key features include real-time, secure transactions, interoperability across banks, and commission-based earnings for agents. 

Key Features of Online AEPS Registration & Services

• Instant Activation & KYC: Digital, paperless, or fast-tracked KYC processes allow for quick onboarding, often within 24-48 hours, using PAN, Aadhaar, and bank details.
• Biometric Authentication: High-security, cardless transactions using fingerprint or iris scanners for authentication.
• Real-Time Settlement: Immediate settlement of funds into the merchant’s wallet, with instant commission crediting.
• Interoperability: Customers can transact with any bank account linked to their Aadhaar, regardless of the bank’s business correspondent.
• Comprehensive Banking Services: Offers cash withdrawal, cash deposit, balance inquiry, and mini-statements.
• User-Friendly Interface: Accessible via smartphone or web portal with minimal training.
• Secure Transactions: End-to-end encryption and Aadhaar-based security prevent fraud and unauthorized access.
• Direct Benefit Transfer (DBT): Facilitates access to government schemes like pensions and MNREGA. 

Activation Process for the Free Online AEPS Registration Portal

AEPS registration involves partnering with a Aeps India, filling out an online form, and completing KYC (Aadhaar, PAN, Bank details). After purchasing a compliant biometric device (fingerprint scanner) and registering it, agents can begin offering banking services like cash withdrawals and balance inquiries. 

Step-by-Step Online AEPS Registration Process

1. Choose an AEPS Service Provider: Select a Aeps india.
2. Fill out the Registration Form: Visit the Aeps india website or app to fill out the online registration form with personal, business, and bank account details.
3. Complete KYC Verification: Submit required documents, including:
   • Aadhaar card (linked with a mobile number).
   • PAN card.
   • Passport-sized photograph.
   • Bank account details (cancelled cheque/passbook).
4. Register Biometric Device: Purchase Aeps biometric device (Mantra, etc.), connect it to your mobile/computer, and register it with the Aeps india.
5. Activation and Training: Upon successful verification, the Aeps india will activate your merchant/Aeps agent ID.
6. Start Services: Log in to the AEPS b2b portal or Aeps app, and begin performing transactions for customers. 

Requirements for Registration

• Documents: Aadhaar Card, PAN Card, active bank account.
• Hardware: A smartphone or computer with internet, and a registered biometric device (e.g. Mantra).
• Mobile Number: Must be linked to your Aadhaar. 

How to Start AEPS Services After Registration

To start AEPS services after registration, first complete your KYC, then install the best Aeps app and connect a registered Aeps biometric device to your smartphone or computer. Activate Aeps service via the app, ensure your bank account is linked to Aadhaar, and begin conducting transactions like cash withdrawals or balance inquiries. 

Key Steps to Start AEPS Services:

• Finalize Onboarding: After registration, wait for the confirmation message/email from the Aeps india.
• App & Device Setup: Install the AEPS application on your Android phone or desktop. Connect a compatible fingerprint/iris scanner (e.g. Mantra).
• Complete Technical KYC: Ensure all digital Aeps KYC documentation is verified by the Aeps india.
• Activate Service: Log in to the application and activate AEPS module by entering your credentials and performing an initial biometric authentication.
• Start Transactions:
  • Select Service: Choose options like Cash Withdrawal, Balance Inquiry, or Mini Statement.
  • Enter Details: Enter the customer’s Aadhaar number and select their bank.
  • Biometric Authentication: Have the customer place their finger on the scanner.
  • Complete: The transaction is processed in real-time, and a digital or physical receipt is generated. 

Pre-requisites for Active Services:

• Bank Linking: Ensure your own, and the customer’s, bank account is linked to their Aadhaar.
• Stable Internet: A reliable internet connection for the Aeps android application is essential.
• Wallet Balance: Maintain a sufficient balance in your agent wallet for withdrawal transactions. 

Commission Structure After AEPS Registration

After AEPS registration, agents typically earn commissions ranging from ₹2 to ₹15+ per cash withdrawal transaction, with higher amounts (above ₹3,000) yielding the maximum, sometimes up to ₹20-₹30 per transaction. Balance inquiries and mini-statements offer lower, fixed commissions of ₹1–₹5. Earnings are based on a tiered structure, often supplemented by monthly incentives for meeting transaction targets. 

Typical AEPS Commission Structure (Per Transaction)

Commission rates often depend on the transaction amount and the service provider: 

• Cash Withdrawal (High Value, ₹3,000 – ₹10,000): ₹7 to ₹15+
• Cash Withdrawal (Mid Value, ₹1,500 – ₹2,999): ₹4.5 to ₹6
• Cash Withdrawal (Low Value, ₹100 – ₹1,499): ₹2 to ₹3
• Balance Inquiry / Mini Statement: ₹1 to ₹5
• Aadhaar Pay: Often 1% or a set fee per transaction 

Key Factors Influencing Income

• Tiered Commission Model: Higher transaction volumes typically result in higher commission slabs.
• Provider Incentives: Aeps india, for instance, mentions higher potential earnings, while Aeps b2b platforms offer bonuses for meeting monthly targets (e.g., ₹2,000 monthly for specific transaction counts).
• Bank/API Provider: Commissions can slightly vary depending on the specific Aeps india used for the registration.
• Active Customer Base: Higher foot traffic at the retail location directly increases the number of transactions. 

Example Structure (Effective 2025)

• ₹1,000 – ₹1,499: ~₹3 per transaction
• ₹2,000 – ₹2,499: ~₹5.5 per transaction
• ₹3,000 – ₹10,000: Up to ₹13-15 per transaction 

Agents may also receive 80% of the commission fees in certain, revised BCA structures. 

AEPS Registration Charges and Fees

AEPS registration for agents generally costs between ₹99 and ₹1,250 for ID activation, with Aeps india offering free registration. For businesses, Aeps API integration costs range from ₹12,000 to ₹35,000. Transaction fees for customers are typically free, while agents earn commission on cash withdrawals and deposits. 

Key AEPS Registration Fees and Charges

• Registration/KYC Fees: Basic Aeps registration for retailers (ID creation) is usually low, often under ₹499 to ₹1,250, though Aeps services are free. while enhanced, branded, or white label Aeps solutions can cost between ₹12,000 and ₹1,00,000.
• API Setup Fees: Aeps india integrating Aeps system, costs range from ₹12,000 to ₹35,000, with Aeps software costs up to ₹50,000.
• Hardware Costs: A certified Aeps fingerprint scanner device is required, costing extra.
• Transaction Fees (Customer): Usually zero for basic services like cash withdrawal or balance inquiry.
• Transaction Charges (Agent/Bank): Banks may charge up to 1% of the transaction amount, with a minimum fee of ₹5.
• Commission: Rather than a fee, agents earn commission, typically ranging from ₹2 to over ₹13 per transaction based on the amount withdrawn.
• Other Potential Costs: Aeps india may charge monthly or annual maintenance.
• Service Structure: Registration involves submitting KYC (PAN, Aadhaar) and connecting a biometric device to the Aeps admin portal . 

Important Considerations

• Transaction Limits: Typically capped at ₹10,000 per transaction, with a maximum of 5 transactions per day per customer.
• Security: Ensure the Aeps india uses encrypted parameters to secure transactions.
• Commission Structure: Verify the commission structure, which is often immediate, and check for any hidden, annual, or renewal fees. 

Tips to Increase Income After AEPS Registration

After registering as an AePS agent, you can significantly increase your income by adopting strategies focused on higher transaction volumes, diversified services, and enhanced customer trust. Agents can potentially earn between ₹15,000 to ₹25,000+ per month by transforming their shops into local, one-stop banking hubs

Here are key tips to increase your income after AEPS registration:

1. Maximize Transaction Volume 

• Focus on High-Value Transactions: Larger withdrawals often generate higher Aeps commissions. For instance, transactions of ₹3,000 and above can offer commissions up to ₹13.
• Encourage Frequent Usage: Encourage customers to use AePS for routine banking like balance inquiries (earning ₹1–₹2) and mini-statements, which builds familiarity and trust.
• Maintain Cash Liquidity: Ensure you have enough cash available at your shop to handle withdrawal requests, especially during the first week of the month when salaries and pensions are released. 

2. Diversify Service Offerings 

• Use Micro-ATM Services: In addition to Aeps biometric scans, add a Micro ATM device to allow transactions via debit cards for customers without Aadhaar-linked accounts.
• Bundle Additional Services: Integrate other financial services on the same portal to earn extra fees, including:
  • Domestic Money Transfer (DMT): Offering money transfer services to other bank accounts.
  • Utility Bill Payments (BBPS): Electricity, gas, and water bill payments.
  • Recharges: Mobile and DTH recharges.
  • Pan Card & Insurance: Aeps india to offer PAN card services or insurance policies. 

3. Local Marketing and Trust Building

• Visible Promotion: Display posters, banners, and signage outside your shop in local languages announcing “Aadhaar Banking” services.
• Educate Customers: Explain the safety and convenience of Aadhaar-based transactions, particularly in rural areas, to build trust, as no PIN is required.
• Provide Receipts: Always provide a printed or SMS receipt for every transaction to build legitimacy. 

4. Optimize Operations 

• Choose the Right Provider: Aeps india one of the reputable AEPS service provider in india that offers high commission rates, a robust, user-friendly interface, and 24/7 customer support to minimize downtime.
• Use Multiple Apps/Banks: Use Aeps b2b platform that allow you to switch between multiple banks to avoid transaction failures.
• Leverage Technology: Utilize real-time transaction tracking and instant settlement features to manage cash flow efficiently. 

By implementing these, you can increase customer footfall, leading to higher cross-selling opportunities for your primary business. 

How to Complete AEPS KYC for Businesses

Completing AEPS KYC for businesses involves registering with an NPCI-certified Aeps india, submitting personal/business documents (PAN, Aadhaar), and completing biometric verification to activate Aeps services like cash withdrawal and balance inquiries. The process, often finalized within 24-48 hours, requires a Aadhaar-linked mobile number and a register Aeps biometric device (fingerprint scanner). 

Step-by-Step AEPS KYC Process for Businesses

• Select a Service Provider: Choose a reputed NPCI-certified Aeps india to partner with.

Registration & Documentation:

• Sign up on the Aeps service portal or top Aeps app.
• Submit required KYC documents: PAN Card, Aadhaar Card, Business Address Proof, and Bank Account Details.

Biometric Verification (e-KYC):

• Complete a mandatory in-person or Aeps video KYC verification.
• Register your biometric device (scanner) with the Aeps india to ensure secure authentication.
• Verification & Activation: Once documents and biometrics are verified by the Aeps india (typically takes 24–48 hours), you will receive an Aeps Agent ID to start transactions. 

Key Requirements & Tips:

• Device: You must have a USB-based, UIDAI-registered biometric device (fingerprint scanner).
• Software: Install the Aeps india provide AEPS application on a smartphone or computer.
• Compliance: Ensure you follow NPCI guidelines to keep your merchant account active and secure.
• Training: Familiarize yourself with the portal through tutorials provided by the Aeps india. 

For individual customers, the process involves providing their Aadhaar number, bank name, and biometric data to the agent for instant authentication. 

Security and Compliance in AEPS Registration

Security and compliance in Aadhaar Enabled Payment System (AEPS) registration are critical to prevent fraud, ensure data privacy, and maintain regulatory standards set by the Reserve Bank of India (RBI) and the National Payments Corporation of India (NPCI). As of January 1, 2026, the RBI has mandated stricter, more rigorous, and compulsory KYC/re-KYC processes for AEPS Touchpoint Operators (ATOs) to enhance the security of Aadhaar-based transactions. 

Here is a detailed breakdown of security and compliance in AEPS registration:

1. Mandatory KYC & Documentation (Compliance) 

To register AEPS agent or business correspondent, agents must undergo a strict Know Your Customer (KYC) process, which usually includes: 

• Identity Proof: Valid PAN Card and Aadhaar Card.
• Bank Account Proof: Cancelled cheque, bank statement, or passbook (must be linked to the agent’s Aadhaar).
• Photographs: Recent passport-sized photograph.
• Registered Mobile Number: A functional mobile number linked to the agent’s Aadhaar for OTP authentication.
• 2026 Regulations: Stricter “full KYC” is required before onboarding. If an agent is inactive for 3 months, a fresh KYC is mandatory for reactivation. 

2. Key Security Measures (Technical & Operational)

AEPS registration ensures security through strict technical protocols for handling sensitive data: 

• Registered Devices (RD): Agents must use UIDAI/STQC-certified biometric devices (fingerprint or iris scanners). These devices use encrypted Registered Device (RD) services to prevent spoofing.
• Data Protection & Encryption: Biometric data is encrypted at the source (within the scanner) and sent directly to the UIDAI database for authentication; it is never stored on the merchant’s device or the agent’s application.
• Zero Storage Policy: Agents are prohibited from storing customer Aadhaar numbers or biometric data.
• Two-Factor Authentication (2FA): As per the new RBI guidelines (Jan 2026), enhanced, sometimes two-factor authentication (e.g., biometric + OTP) is used for high-risk transactions. 

3. Agent and Transaction Surveillance

• One Operator, One Bank: To prevent misuse, each AEPS operator is now linked to only one acquiring bank.
• Transaction Limits: NPCI sets a maximum of ₹10,000 per transaction, with daily limits often restricted to ₹50,000 to minimize risk.
• Continuous Monitoring: Banks are required to continuously monitor operator activities, focusing on transaction volume, velocity, and geographic location to detect fraudulent behavior. 

4. Best Practices for Secure Registration

• Partner with Authorized Providers: Register only with NPCI-authorized Aeps platforms.
• Use Secure Software: Utilize only certified AEPS portals that comply with UIDAI’s Aadhaar Authentication Application Security Standard (AAASS).
• Physical Security: Ensure the Aeps biometric device is untampered and clean before use. 

5. Consequences of Non-Compliance

Failure to meet these stringent requirements can lead to:

• Immediate deactivation of the agent ID.
• Blacklisting of the agent.
• Legal action by authorities. 

By following these procedures, agents can offer secure cash withdrawals, balance inquiries, and fund transfers, while ensuring compliance with the latest 2026 regulatory framework. 

RBI Guidelines for AEPS Registration

As of January 1, 2026, RBI mandates strict, full KYC for all AEPS Touchpoint Operators (ATOs) through onboarding banks, requiring Aadhaar-linked bank accounts and PAN cards. Key guidelines include mandatory biometric verification, a “one-operator-one-bank” rule, and re-KYC for agents inactive for three months. 

Key RBI AEPS Registration & Operating Guidelines

• Mandatory Documentation & KYC: Agents must submit their Aadhaar card, PAN card, and bank account details (linked to a mobile number) to the acquiring bank.
• “One-Operator-One-Bank” Rule: An Aeps india can be Aeps onboarded by only one acquiring bank, simplifying oversight and enhancing accountability.
• Biometric Verification: Real-time biometric checks (fingerprint or iris) are mandatory for every transaction to prevent fraud.
• Inactive Agent Re-KYC: Agents with no transactions for three consecutive months must undergo a fresh KYC process before resuming services.
• Ongoing Monitoring: Banks are required to conduct continuous, risk-based monitoring of agent activities, including transaction volume and geographical consistency.
• Technical Requirements: Use of Registered Device (RD) services for Aeps biometric scanners is required for secure authentication.
• Customer Protection: Agents must provide receipts for transactions, and customers should receive instant SMS alerts for all AePS transactions. 

Operational Guidelines

• No Extra Fees: Agents are prohibited from charging extra fees to customers.
• Transaction Limits: Daily transaction limits are enforced by NPCI, with banks implementing risk-based limits.
• Receipts: A receipt (digital or physical) must be provided for every transaction.
• Security: Only authorised business correspondents (BCs) or micro-ATMs should be used. 

These measures are designed to enhance security, reduce fraud, and increase trust in the AEPS system. 

AEPS Biometric Verification Before Aeps Registration

AePS biometric verification is a mandatory security step that occurs during or immediately following the registration/transaction process to confirm identity via Aadhaar-linked fingerprint or iris scan. It ensures that only the authorized account holder can access banking services, with liveness detection used to prevent fraud. 

Key Aspects of AePS Biometric Verification

• Registration Context: For agents, biometric verification is a part of the registration process to ensure the legitimacy of the service point. 
• Verification Process: Biometric data (fingerprint or iris) is scanned and matched against data stored with the Aadhaar number.
• Two-Factor Authentication: New guidelines may require a second authentication (like an OTP) in addition to the biometric scan for higher security.
• Purpose: This process replaces traditional PINs or signatures, providing secure, instant access to banking services like cash withdrawals and balance inquiries.
• Requirements: To successfully verify, the bank account must be seeded (linked) with the user’s Aadhaar number, and a mobile number must be registered for alerts.
• Alternative Methods: If fingerprints are worn or unavailable, IRIS scans or Face Authentication can be used.

Important Notes

• Security: The biometric data is highly secure and difficult to fake.
• Legitimacy: Always use authorized Customer Service Points (CSPs) for AePS transactions.
• Transaction Limits: NPCI has set a maximum limit of ₹10,000 per AePS transaction. 

AEPS Registration Time and Approval Process

AEPS registration for agents typically takes 24 to 48 hours for approval, with some platforms offering expedited, near-instant activation. The process involves submitting KYC documents, registering a biometric device, and undergoing background verification to become a Banking Correspondent (BC). 

AEPS Registration Time and Approval

• Timeframe: Registration generally takes 24 to 48 hours for approval, though Aeps india may take up to 10-15 working days if documentation is incomplete.
• Approval Process:
  1. Submit Application: Register on an authorized Aeps india provide Aeps portal.
  2. KYC Verification: Submit PAN card, Aadhaar card, bank account details, and photos.
  3. Biometric Device Mapping: Register a certified biometric device (fingerprint scanner) with the portal.
  4. Verification & Activation: The Aeps india verifies the documents, and once approved, the agent ID is activated. 
  5. Customer Registration: No separate registration is needed for customers to use AEPS; they only need their Aadhaar linked to their bank account.
  6. Rules & Security: As of January 2026, the RBI has introduced stricter KYC and monitoring for operators to enhance security. 

Timeframe and Key Details

• Standard Approval Time: 24–48 hours.
• Fast-Track Activation: Best Aeps platforms promise Aeps agent ID activation within 24 hours.
• Cost: Aeps india offer free Aeps registration, while others charge a nominal fee (e.g., ₹350–₹480).
• Post-Approval Requirement: A mandatory, fresh e-KYC is required if the agent is inactive for three continuous months. 

Essential Tips for Quick Approval

• Submit Clear Documents: Blurry documents often lead to delays.
• Aadhaar-Linked Mobile Number: Ensure your phone number is linked to your Aadhaar for OTP verification.
• Choose Fast-Track Providers: Select secure Aeps platform that explicitly advertise 24–48 hour activation. 

Key Requirements

• Age: Minimum 18 years.
• Documentation: PAN Card, Aadhaar Card (linked to a bank account and active mobile number).
• Equipment: A smartphone or computer and a compatible, UIDAI-certified biometric device. 

Post-Registration

Once activated, agents can begin offering services such as:

• Cash Withdrawal: Using biometric authentication (no card/PIN required).
• Balance Inquiry: Real-time checking of customer account balance.
• Mini-Statement: Generating a short account statement.
• Aadhaar Pay: Processing higher-value, non-restricted transactions. 

It is important for agents to adhere to RBI and NPCI guidelines to avoid deactivation, including maintaining accurate KYC and ensuring compliance with security norms, with stricter rules for active/inactive accounts coming into effect in 2026. 

Note: As of January 1, 2026, RBI guidelines require stricter, regular KYC updates for AEPS retailers to curb fraud. 

Common Issues During AEPS Registration and How to Solve Them

Common AEPS registration issues biometric failure, unlinked accounts, and incorrect details are solved by cleaning scanners, verifying Aadhaar-bank linking, updating KYCs, and ensuring stable internet. Key steps include using UIDAI centers for biometric updates and checking bank records for discrepancies. 

Common Issues and Solutions

• Biometric Mismatch/Failure: Fingers may be too dry, dirty, or worn, or the scanner is dirty.

• Solution: Clean the biometric scanner with a soft cloth. Wash and dry hands. If the issue persists, use a different finger or re-enroll biometrics at an Aadhaar Kendra.

• Aadhaar Not Linked to Bank Account: The system cannot identify the account if it is not linked with Aadhaar.

• Solution: Visit your bank branch immediately to link your Aadhaar card with your bank account.

• Incorrect Data Entry: Mismatch in name, date of birth, or spelling between Aadhaar records and bank records.

• Solution: Visit a UIDAI centre to update and correct details so they match bank records.

• Inactive or Dormant Account: The bank account has been inactive for a long period.

• Solution: Contact the bank to activate the account.

• Technical/Connectivity Errors: Slow internet or server issues at the Customer Service Point (CSP).

• Solution: Restart the device, check the internet connection, and try again later.

• AEPS Service Disabled: The user has disabled AEPS services for their Aadhaar.

• Solution: Enable AEPS functionality through net banking or by contacting the bank. 

General Tips

• Verify the Agent: Ensure you are using a legitimate CSP agent.
• Check Transaction Limits: Ensure the transaction does not exceed daily limits.
• Maintain Records: Keep receipts or SMS messages for failed transactions for support. 

How to Start AEPS Services with Aeps India

Starting AEPS services with Aeps India involves registering on their portal, completing KYC (Aadhaar/PAN/Bank details), acquiring a biometric device, and integrate Aeps admin software to offer cash withdrawals, deposits, and balance inquiries. It requires a smartphone/PC, internet connection, and, upon approval, enables earning commission on transactions. 

Steps to Start AEPS Services with Aeps India:

• Registration and KYC: Visit the Aeps India website to sign up and submit required documentation for KYC, including your Aadhaar card, PAN card, and bank account details.
• Acquire Hardware: Purchase a compliant biometric device (fingerprint scanner) or micro-ATM/POS terminal.
• System Integration: Download and install the Aeps India provided Aeps application on your smartphone or computer, and register your biometric device with the Aadhaar Enabled Payment System platform.
• Verification: Complete the required biometric authentication to activate your agent account.
• Start Services: Once approved, you can begin offering services like cash withdrawals, balance inquiries, and mini-statements to customers. 

Key Requirements:

• Documents: Aadhaar Card, PAN Card, active Bank Account.
• Equipment: Smartphone or Computer with internet, Biometric Device (Fingerprint scanner).
• Eligibility: Suitable for retailers, Kirana shops, or individuals wanting to provide banking services. 

Aeps india – Top Aeps Service Provider in india 

Top AEPS service providers in India for 2026 include Aeps india, known for high commission rates, reliable transactions, and easy, fast onboarding. These right Aeps platforms enable retailers to offer cash withdrawals, balance inquiries, and mini-statements securely, with commissions reaching up to ₹15 per transaction. 

Key Features to Look For

• High Commission Rates: Maximize earnings with platforms like Aeps india.
• Reliability & Speed: Low downtime for consistent service (e.g., NSDL, Fino).
• Security: NPCI-certified and Aadhaar-based authentication.
• Ease of Use: User friendly Aeps app or Aeps b2 portal. 

Aeps india allow retailers to offer secure, Aadhaar-based banking services without the need for traditional debit cards. 

Aeps india – Best Online AEPS Registration Provider in India

Aeps india one of the best online AEPS registration provider in India requires evaluating NPCI certification, transaction success rates, commission structures, and customer support. Key criteria include 24/7 technical assistance, high-speed transactions (98%+ success rate), instant wallet settlement, and user-friendly interfaces. Popular Aeps india offering free or low-cost registration. 

Key Factors for Choosing an AEPS Provider

• Regulatory Compliance & Security: Ensure the Aeps india is certified by the National Payments Corporation of India (NPCI) and compliant with RBI guidelines to ensure safe, secure transactions.
• Transaction Success Rate: Aeps india with high success rates and low downtime (ideally 98%+) to ensure reliable service for customers.
• Commission Structure: Look for competitive, transparent, and high commission payouts on cash withdrawals, mini statements, and balance inquiries.
• Settlement Speed: Aeps india that offer instant or same-day settlement to ensure cash flow, reducing the need for high working capital.
• User Experience (UI/UX): The mobile aeps app or web portal should be intuitive for both agents and customers.
• Support System: Reliable 24/7 technical and customer support is critical for handling transaction failures.
• Platform Usability: The secure aeps app or Aadhaar Enabled Payment System portal should be intuitive, supporting multiple banks, and easily accessible. 
• Additional Services: Best AEPS Service Platform that offer value-added services like mobile recharges, utility bill payments, and money transfers. 
  

Why Choose AEPS India for Online AEPS Registration Solution

Aeps India is an online AEPS registration solution provider is essential for fast, secure, and compliant access to Aadhaar-based banking services. Aeps India enable retail, rural, and semi-urban businesses to offer cash withdrawals, deposits, and balance inquiries, generating high-commission income. 

Key reasons to choose a dedicated AEPS registration provider include:

• Security and Compliance: Aeps india ensure encrypted, safe transactions using biometric authentication, which is crucial for protecting sensitive financial data.
• High Success Rates & Reliability: Aeps india offer superior uptime (often >98%), minimizing transaction failures, especially in remote areas with limited banking access.
• High Earnings & Revenue: Retailers earn competitive, often tiered commissions for transactions (e.g., ₹12–₹15 per transaction) and can increase footfall to their shops.
• Increased Revenue & Footfall: Agents earn commissions on transactions (cash-in/out), turning local shops into “mini-banks” that attract more customers.
• Revenue Generation: Retailers earn commissions on various transactions such as cash withdrawals, deposits, and balance inquiries providing a steady, scalable income stream.
• Low-Cost Setup & Easy Integration: Starting AEPS business requires minimal investment, usually just a smartphone/computer and a biometric device, with easy Aeps API integration provided.
• Enhanced Customer Trust: Offering convenient, on-the-spot banking services builds loyalty and trust, as customers do not need to travel long distances for cash services.
• Comprehensive Features & Support: Aeps india often offer additional services like bill payments, money transfers, and 24/7 technical support to ensure smooth operations. 
• Fast Settlements: Aeps India offer same-day or instant settlement, ensuring liquidity. 
• Support & Training: 24/7 customer support helps resolve transaction issues quickly. 
  

Aeps India help transform retail shops into local banking hubs. 

Future Trends Online AEPS Registration

Future trends in online Aadhaar Enabled Payment System registration are heavily influenced by the Reserve Bank of India’s (RBI) new, stricter guidelines effective January 1, 2026. These changes focus on enhancing security, reducing fraud, and formalizing the onboarding process for agents and merchants. 

Here are the key future trends in online AEPS registration and onboarding:

1. Stricter KYC and Compliance (2026 Mandates) 

• Mandatory Full KYC: All AEPS agents (Business Correspondents/Operators) must undergo thorough, full KYC checks before onboarding, which often involves video KYC for real-time verification.
• Re-KYC for Inactivity: Agents who do not perform any transactions for three consecutive months must undergo a fresh, mandatory KYC process before resuming services.
• “One Operator, One Bank” Rule: To prevent misuse, each agent is now restricted to being linked with only one acquiring bank. 

2. Advanced Security Features in Registration

• AI/ML for Fraud Detection: Registration systems are adopting AI to assess the risk profile of applicants, analyzing factors like location and potential for fraudulent activity.
• Mandatory Liveness Detection: To combat biometric spoofing, future registration and transaction systems will require “liveness detection,” ensuring the person at the biometric scanner is physically present.
• Registered Device (RD) Services: Mandatory use of STQC/UIDAI-certified biometric devices that encrypt data immediately upon capture, ensuring compliance with data privacy standards. 

3. Streamlined, Mobile-First Onboarding

• Digital-Only Onboarding: The trend is moving away from paper-based, slow processes toward instant, paperless online registration via Android apps.
• API-First Approach: Easier integration for fintechs to embed AEPS functionality into their existing apps or POS systems. 

4. Broader Financial Inclusion Services 

• Beyond Cash Withdrawal: Future AEPS registrations will enable agents to offer a wider suite of services, including insurance, micro-loans, and pension disbursements, turning small shops into comprehensive rural financial hubs.
• Deeping Integration with UPI: AEPS is becoming more integrated with the broader digital finance ecosystem, allowing for faster, more secure transactions. 

5. Enhanced Technology Stack

• Blockchain Integration: Exploration of blockchain to create immutable, transparent transaction records.
• Multi-Modal Biometrics: Moving beyond just fingerprints to include iris scans and face authentication for stronger 2FA (Two-Factor Authentication). 

These trends reflect a shift from rapid, largely unregulated adoption to a highly secure, monitored, and compliant system designed to build trust in digital payments. 

Conclusion

AEPS registration online is the first and most important step for businesses and retailers who want to offer Aadhaar Enabled Payment System services in India. With online registration, businesses can quickly start providing cash withdrawal, balance enquiry, cash deposit, and fund transfer services using Aadhaar-based authentication. This makes AEPS a secure, fast, and reliable digital banking solution.

Aadhaar Enabled Payment System (AEPS) Registration Online refers to the process of signing up as a business correspondent or agent to offer banking services (cash withdrawal, balance inquiry, mini-statement) to customers using their Aadhaar number and biometrics. This enables individuals, such as shop owners, to become mini-ATMs, allowing rural or unbanked populations to access bank accounts securely without debit cards or PINs. 

AEPS (Aadhaar Enabled Payment System) registration online allows individuals or shop owners to become agents and offer banking services like cash withdrawals, deposits, and balance inquiries using a biometric device and Aadhaar verification. Registration is typically done through Aeps india, requiring PAN, Aadhaar, and bank details. 

By completing AEPS online registration with a trusted AEPS service provider in India like Aeps india, businesses can ensure smooth onboarding, proper KYC compliance, and secure transactions. Online AEPS registration saves time, reduces paperwork, and helps retailers expand their digital payment services easily.

As digital banking continues to grow in India, AEPS registration online opens new opportunities for businesses to increase customer trust and income. Choosing the Aeps india ensures long-term success in the digital payment ecosystem while delivering safe and convenient banking services to customers.

By choosing Aeps India for AEPS registration online, businesses get a simple onboarding process, fast approval, RBI-compliant systems, and reliable technical support. A trusted AEPS platform ensures high transaction success rates, safe biometric verification, and transparent commission earnings.

Aeps India makes the AEPS registration process easy and reliable with quick verification, secure data handling, and full support at every step. After registration, businesses can start AEPS service smoothly and earn regular income by serving customers daily.

Completing AEPS registration online with Aeps India allows you to start a secure, profitable, and future-ready digital banking business. With the right platform and support, AEPS can help you grow daily income while building long-term trust with your customers.

If you want to grow your business with AEPS services in India, choosing Aeps India for AEPS registration online is the right decision for long-term success and steady earnings.

FAQ: AEPS Registration Online in India